• Cashback Credit Cards – Earn a percentage of your spending back as cashback.
• Travel Credit Cards – Accumulate air miles for flights and hotel discounts.
• Rewards Credit Cards – Earn points redeemable for shopping, flights, or other rewards.
• Lifestyle Credit Cards – Get discounts on dining, shopping, and entertainment.
• Business Credit Cards – Designed for entrepreneurs to manage company expenses.

• No salary transfer required: ADCB, RAKBANK, Emirates Islamic, FAB.
• Salary transfer required: Emirates NBD, ADIB (for specific credit cards).

• The minimum salary depends on the bank and card type:
o RAKBANK: AED 3,000
o ADCB: AED 5,000
o Emirates NBD: AED 8,000
o First Abu Dhabi Bank (FAB): AED 10,000+
o Emirates Islamic Bank: AED 5,000 – AED 8,000

• Interest rates range from 2.5% to 3.75% per month (or 30% to 40% annually).
• Banks offer interest-free periods of up to 55 days for timely full payments.

• Annual Fees: Ranges from AED 0 to AED 2,500 based on card benefits.
• Late Payment Fees: Typically AED 200 – AED 250.
• Over-limit Fees: Around AED 250 if you exceed your credit limit.
• Foreign Transaction Fees: Ranges from 1.99% to 3.5% for transactions in foreign currencies.

• Yes, some banks offer secured credit cards where you provide a fixed deposit as collateral. This is ideal for self-employed individuals, students, or those with no salary transfer.

• Earn a percentage of cashback (up to 10%) on grocery, fuel, dining, and online purchases.
• Cashback can be redeemed to pay outstanding balances or used for future purchases.
• Some banks offer higher cashback for online shopping, fuel purchases, or travel bookings.

• Banks may increase your credit limit if you:
o Have a good credit repayment history.
o Increase your salary or provide additional income proof.
o Have a strong credit score (650+).

• Balance transfer allows you to move your outstanding balance from another bank’s credit card to your new card, often with lower interest rates for a promotional period (e.g., 0% interest for 6–12 months).

• Yes, most banks offer 0% installment plans for 3 to 12 months on purchases made with selected retailers. Some even offer cash installment plans for other transactions.

• A credit card cash advance allows you to withdraw cash from an ATM using your credit card. However, cash advance fees (usually 2%-3% of the withdrawn amount) and higher interest rates apply.

• Contact your bank and provide updated income documents to request a credit limit increase. Approval depends on your salary, credit score, and repayment history.

• You can check your balance and transactions via online banking, mobile banking apps, ATMs, or monthly statements.

• You may incur an over-limit fee (AED 200–250), and your credit score may be affected. It’s advisable to stay within your assigned limit.

• Yes, you can request an increase by providing proof of a higher salary or improved financial stability. Some banks also allow you to request a temporary limit increase for specific needs.

• Your credit score (650+ recommended) plays a key role in determining approval and credit limits. A higher score improves your chances of getting better interest rates and higher limits.

• Yes, travel credit cards offer benefits like:
o Airline miles & travel rewards (Emirates NBD Skywards, ADIB Etihad Guest, etc.).
o Free airport lounge access at global locations.
o Complimentary travel insurance.
o Hotel discounts & upgrades.

• Yes, some banks offer low-income credit cards for those earning as low as AED 3,000 – AED 5,000, such as:
o Dubai Islamic Bank (DIB) – Min salary AED 3,000
o Emirates Islamic – Min salary AED 5,000
o ADCB SimplyLife – Min salary AED 5,000

• A secured credit card requires a fixed deposit as collateral. It is ideal for individuals with no credit history or those who need to improve their credit score.

• Yes, most banks allow adding supplementary cardholders, typically for family members (spouse, children, or parents).

• Some banks require salary transfers for specific cards:
o FAB Platinum Card (Min salary: AED 8,000)
o Emirates NBD Infinite Credit Card (Min salary: AED 25,000)

• You may incur an over-limit fee (typically AED 250). It can also negatively impact your credit score.

• Yes, most credit cards are accepted internationally, but foreign transaction fees may apply (typically 1.5% to 3.5%). Some premium cards offer zero foreign transaction fees.